Question by : I am assay to buy an auto, the buyer contacted Yahoo/auto, Yahoo contacting me said they checked out the?
offer & they approve it. they yahoo/auto said they will insure it if is fraud, anyone dealt with this?
Best answer:
Answer by Ed Atun
No. Yahoo does not insure anyone against fraud. They also don’t “check out” any auto sellers. Sounds like you got a spam/scam email.
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Question by unidentified: What does refinancing your car loan mean?
I’m sorry if this is a really dumb question, but earlier someone suggested I refinance my car loan, but I have no idea what that means. I looked it up online, and it said something about lowering your payment interest when you transfer to a new lender. Coudl someone delight explain in detail what refinancing your car loan does? Does it lower the amount of money you pay monthly? And if so, does that mean I would have to pay for more months?
Best answer:
Answer by NoraCat
Refinancing an existing car loan is an easygoing process. A fresh lender pays off your old car loan, and the entitled is then transferred to that unexampled lender. Your monthly payments are then made to your new lender. People refinance to get a better interest rate, which means over the full time of the loan, you’ll end up not having to pay as much. Your monthly payments will be less, or the number of payments you have to make will be less, or both.But here’s another idea – if you find that your car payments are really ache your financing, consider just selling your car, paying off the lending, and then bought a cheaper used car with or without a lent. Yeah, you won’t have a flashy set of wheels anymore, but you’ll have a lot more money in your pocket.
Add your own answer in the comments!
Homes.org Releases Mortgage Rates Update for the First Week of December
Austin, TX (PRWEB) December 06, 2011
Homes.org, a fast growing real estate search portal, has released this week’s analysis of mortgage rates which found that there was a slight increase in rates at the start of this week, with the 30-year fixed rate ticking upward by .02%. This increase brings the rate back up to where it was before last week’s drop.
Current interest rates are:
4.00% – average rate for a 30-year fixed rate mortgage
3.3% – average rate for a 15-year fixed rate mortgage
Consumer activity continued last week with Cyber Week bringing in more than $ 6 billion. This comes right as the Consumer Confidence Index announced a 15 point rise in November to 56 points. While it is a move in the right direction it’s still a good deal below the average during a health economy. However, with overall consumer debt shrinking and marked improvement in industries such as auto sales, the impression is that consumer confidence may be on the rise. Even Freddie Mac vice president and chief economist Frank Nothaft said, “more optimistic consumers, lower house prices, and bargain mortgage rates may have contributed to the 10.4 percent jump in pending home sales in October to the strongest pace since November 2010 and may bode well for future home sales.”
There was also promising news in Friday’s Jobs Report which showed 120,000 new jobs were created which was in line with expectations. However, the announcement that the unemployment rate had dropped to 8.6% came as a surprise. It was a result of 315,000 people leaving the work force and the drop isn’t expected to have much of an economic affect. What may have more of an affect is the New Jobless Claims which is set to be released on Thursday.
Europe’s debt crisis is still impacting the U.S. economy, making U.S. bonds a safer bet for investors which has helped keep interest rates low. Homes.org will be keeping an eye on the outcome of the European Central Bank’s meeting this week where they are expected to address whether Germany will be willing to increase support for struggling Eurozone countries.
Homes.org is predicting that economic decisions in Europe will have the most impact on interest rates here in the U.S. Interest rates are likely to rise slightly again next week if the ECB is able to keep the momentum moving forward and get Europe’s debt crisis under control. However, word is that the Fed is looking to buy more mortgage backed securities to ensure that mortgage rates remain low.
To see more information on current mortgage rates and homes for sale, please visit: http://www.homes.org
About Homes.org
Homes.org is a fast growing real estate search portal that offers users much more than MLS listings. Homes.org gives users access to a rich collection of resources, including but not limited to, real estate listings, home owner finance tools and home service tools. Homes.org brings buyers, sellers and renters important information about the current markets and intelligent tools by partnering with real estate professionals from around the country. Homes.org is a subsidiary of Star Nine Ventures, Inc. headquartered in Austin, TX.
About Star Nine Ventures®
Star Nine Ventures® is an Austin-based, marketing-driven venture creation company targeting a wide range of national business-to-consumer online marketplaces. Star Nine’s core mission is to build businesses that provide exemplary consumer experiences and unparalleled customer service.
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F&D Reports/Creditntell Publish Update on U.S. Retailers’ Bank Debt & Liquidity
Great Neck, NY (PRWEB) November 10, 2011
Industry-leading credit consulting firm Information Clearinghouse Inc. (ICI), through its divisions F&D Reports and Creditntell, are delighted to denote the release of its Bank Debt & Liquidity Update, a yearly report for fiscal executives looking to hold an eye on the access to cash uncommitted proportional to the retailers and wholesalers with which they partner.
During the first half of fiscal 2011, banks purportedly continued to going lending standards. Historically low interest rates are driving lending activity, as corporations issue new debt to refinance higher-yielding debt and, to a lesser extent, return capital to shareholders. Compared to historical levels, nonetheless, access to credit remains tight, and most corporations are still not borrowing to fund new investments or expansion. More than ever, retailers are moving to refinance their bank facilities, and these re-financings are serving as key indicators of their financial health.
To that end, the Bank Debt & Liquidity Update provides bank facility maturity schedules for ICI’s monitored companies, separated by industry segment, with a summary of the credit agreements as well as key debt protection and liquidity metrics and short-term debt maturities through 2012. For each company, the report provides the maturity date, maximum borrowings, percent available, cash availability, TTM interest coverage, securitization, accounts payable, percent inventory financed by vendors, A/P I-day average, DPO and other term loans or notes coming due in the next year. The report also lists upcoming public bond maturities and bank facility maturities for more than 60 privately held retail sector accompanying.
Staying on top of upcoming maturities can resulting crucial in assessing retailers’ and wholesalers’ financial health as well as anticipating defaults. The 2010 Bank Debt & Liquidity Update highlighted A&P’s looming $ 157. million convertible note maturity on June 15, 2011; A&P subsequently filed Chapter 11 in December 2010, citing this upcoming maturity as part of its rationale for filing. Roundy’s Supermarkets retired a $ 54. million term lent that matured on November 3, 2011 and will need to deal with the November 2012 maturity of its $ 95. million revolver. HCA continues to face a series of debt maturities over the next three calendar years, including $ 1.40 billion in notes and term loans coming due in 2012. Other major retailers announcing recent re-financings include: BI-LO, Burlington Coat Factory, Rite Aid, Target, Sears Holding Corp., Safeway, AutoZone, AmerisourceBergen, Bass Pro Shops, Big Lots, Cabela’s, Cardinal Health, Compass Group, Core-Mark, Family Dollar, Neiman Marcus, Toys “R” Us and Winn-Dixie.
Commenting on the Bank Debt & Liquidity Update, Lawrence Sarf, CEO of ICI, stated, “Cash is, as always, King, and access to favorable borrowing is the Crown Prince that serves him. Every business experiences opportunities and unexpected pitfalls; both of those situations require immediate access to capital in order to provide the smoothest path forward. Conversely, the inability to take full advantage of opportunities, retire expensive debt, forward-buy low priced goods, or ramp up capex in preparation for a turning economy is the recipe for failure. Knowing what your customer or competitor has in relation to what they are going to need gives you a clear advantage. Every financial executive with an interest in retail should have this comprehensive report nearby as a ready reference.”
Information Clearinghouse, Inc. (publisher of F&D Reports, Creditntell, & FDARMS) is a comprehensive retail credit consulting firm specializing in the analysis of public and private companies in numerous retail segments. The focus of its analysis is to deliver the key intelligence today’s busy credit executive needs to make a highly informed decision without sifting through pages of non-essential data. F&D Reports and Creditntell actively monitor retailers such as Kroger, Best Buy, Bed Bath & Beyond, Toys “R” Us, BJ’s Wholesale, Dick’s Sporting Goods, Bon-Ton Stores, and Macy’s. To learn more, visit the websites at http://www.fdreports.com, http://www.creditntell.com, http://www.fdarms.com.
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Anticipation of Nissan LEAF’s Upcoming Arrival at Sheridan Nissan in New Castle, DE Almost Tangible
New Castle, DE (PRWEB) November 29, 2011
The new Nissan LEAF is the first and only mass-produced, 100% electric, zero gas, no tailpipe vehicle, and, as Nissan says, it’s coming to a street near you! Having said that, Sheridan Nissan of New Castle, DE wants to help automotive consumers who wish to “go green” get started just that much quicker. For car buyers interested in going “green” as quickly as possible, Nissan recommends a 5-step approach to purchasing a new LEAF, and Sheridan Nissan is able to assist in that process. The dealership’s general manager, Ed Crane, says they expect to receive a LEAF in January or February with customer deliveries beginning soon after. Anyone looking to purchase a new Nissan LEAF in New Castle or any other model of a new Nissan in New Castle or an used Nissan in New Castle is able to do so at Sheridan Nissan, along with a wide variety of other makes and models of used cars in New Castle or used trucks in New Castle.
These are just some of the accolades the LEAF has earned in the last year:
*Nissan LEAF Earns 5-Star NCAP Rating Jul 25, 2011
The 100-percent electric Nissan LEAF has earned a 5-star overall vehicle rating for safety as part of the National Highway Traffic Safety Administration’s New Car Assessment Program (NCAP). The Nissan LEAF is the first fully electric vehicle to earn this highest distinction from the program. Starting with 2011 models, NHTSA introduced tougher tests and requirements in order to earn 5-star ratings. Government star ratings are part of the National Highway Traffic Safety Administration’s (NHTSA) New Car Assessment Program. Model tested with standard side air bags.
*Nissan LEAF Earns Top Safety Pick from IIHS Apr 25, 2011
The Nissan LEAF is the first 100% electric vehicle to earn the Top Safety Pick from the Insurance Institute for Highway Safety.
The Insurance Institute for Highway Safety awarded the 2011 Nissan LEAF a “Top Safety Pick” rating. The rating is given to vehicles that achieve the Institute’s highest rating of “Good” in front, rear and side impact protection as well as being equipped with electronic stability control and earn a good rating in roof strength.
*Nissan LEAF Wins 2011 World Car Of The Year Apr 20, 2011
World Car Awards latest accolade for zero-emission vehicle comes at New York International Auto Show
Today, at the New York International Auto Show, the 100-percent electric, zero-emission Nissan LEAF was named 2011 World Car of the Year, edging out the BMW 5-Series and the Audi A8 for the top spot. The award was one of many in a string of accolades for the world’s first affordable mass-market, all-electric vehicle for the world-wide market, which was also named European Car of the Year.
The jurors of the World Car Awards noted that, “The Nissan LEAF is the gateway to a brave new electric world from Nissan. This 5-seater, 5-door hatchback is the worldwide’s first, purpose-built, mass-produced electric car. It has a range of over 100 miles on a full charge claims Nissan, takes around 8 hours to recharge using 220-240V power supply and produces zero tailpipe emissions. Its low center of gravity produced sharp turn-in with almost no body roll and no understeer. The full news? It feels just like a normal car, only quieter.”
(The World Car of the Year competition was launched in 2004, with winners chosen by a panel of automotive journalists from Asia, Europe and North America.)
*Kelley Blue Book’s kbb.com called the Nissan LEAF one of its 2011 Top 10 Green Cars Apr 12, 2011
“With a groundbreaking combination of range, room and price, the Nissan LEAF is the first all-electric car for the mass. The EPA says the Nissan LEAF will deliver 73 miles per charge and the equivalent of 99 miles per gallon. But that’s not the only thing green about the Nissan LEAF: recycled materials made from home appliances, old car parts and plastic bottles are used throughout the vehicle.”
*Nissan LEAF Power System Named to Ward’s ’10 Best Engines’ Dec 7, 2010
100% electric drive system is first zero-emission winner in award’s history
Ward’s today announced that Nissan LEAF’s 100-percent electric, zero-emission drive system is included on its prestigious ’10 Best Engines’ list for 2011. It is the first time in the 17-year history of the magazine’s ’10 Best Engines’ that the selection committee has chosen a power system which doesn’t have an engine and will never burn a drop of gasoline.
*Nissan LEAF receives Popular Mechanics Breakthrough Award Oct 5, 2010
The Nissan LEAF was chosen as one of the year’s 10 most transformative products by a panel of experts in addition to members of the Popular Mechanics’ editorial board of advisers.
The Nissan LEAF is currently available in Japan, the United States and select European markets and will be released in other global markets in 2012. The vehicle is currently built at Nissan’s Oppama, Japan plant. It also will be manufactured at the company’s Smyrna, Tenn., plant in the United States in late 2012 and at Nissan’s Sunderland plant in the United Kingdom by early 2013.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Question by vetsmom_rgv: What is the difference between a car loan and car lease?
My mom wants to return her vehicle and she says it’s out on a loan. My parents never bought a car, and now that my generated passed away, she turns to me for what to do. She wants to know if she can just go and turn it in and pick out a new one or will she have to pay more for some damage to the vehicle! Please help. Serious answers only!
Best answer:
Answer by ptaewk
The car is not her’s yet…it is loaned to her until she can pay off that loan.If you return the car, you will have to pay for the damage on it.
Give your answer to this question below!
Briggs Supercenter Announces that Buyer Trades in Honda Civic for All-New 2012 Chevy Sonic
Manhattan, KA (PRWEB) November 25, 2011
AT Briggs Supercenter – the premiere used car dealer in Manhattan, Kansas – they are excited about the new 2012 Chevy Sonic. While they are not selling it yet, they think it is an important part of the future of vehicles. They do offer a great selection of used Chevy models, however, so they know all about the brand.
Ashley Johnson is an office clerk and college student. She was one of the first consumers in the United States to own a 2012 Chevrolet Sonic. As a commuter to and from school, she thought the Sonic was a reliable, safe, and very fuel-efficient subcompact. Additionally, she knew it was the only sub-compact still built in the good old USA.
“Since I am 25 and just starting my family, I wanted my first new car to be something that reflected my age and personality,” Johnson said. “When I first whipsawed the Sonic, I dropped in love with its style and practicality, and after driving it and enjoying how it dealt, I had to ain one.”
Bill Visnic, fourth-year editor for Edmunds’ AutoObserver.com, has said that for years consumers have been told to believe that shopping imports was the merely way to find full little cars. This is not truthful all the time, notwithstanding, peculiarly in the 21st century with American auto makers struggling to do a comeback – and succeeding in many ways.
“The 2012 Chevy Sonic turns that notion 180 degrees – it has the crisp driving characteristics, terrific fuel efficiency and excellent value that used to be the exclusive traits of Japanese small cars,” Visnic said. “The Sonic is likely to set the new standard in its class, and being built in America adds an intriguing advantage.”
Johnson said her favorite Sonic features include the keyless entry, which helped out quite a bit when she has to carry her daughter in a car seat. She also really likes the amount of trunk space. The digital displays on the dash that clearly indicate speed, miles per gallon and remaining fuel are also very useful.
“The Chevy Sonic was the stark car for me,” she said. “It fulfills every hit one of my needs.”
While the Chevy Sonic is not yet a put-upon car, when it is one you can be sure that Briggs Supercenter will have a good selection. As the leading victimized car dealer in Kansas, they have a great selection of many different makes and models in all price ranges.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
Question by TiTi: Can you get an auto loan without a down payment?
I’m interested in buying an used car but I don’t have the money for a down payment. Can someone quieten get financed at a car dealership for an auto loan with zero down? The car I’m interested in is a 2004, costs about $ 13,000 with low miles.I don’t have bad credit but it’s not perfect either.
Best answer:
Answer by crookmatt
Every Auto loan I’ve ever taken out has been without a down payment. But I also have excellent Credit.The best place is a credit union. They have the best rates.
What do you think? Answer below!
DriverCredit.com Proudly Announces A New Solution to Local Automotive Financing for Credit Challenged Customers
San Diego, CA (PRWEB) November 09, 2011
DriverCredit.com’s solution for getting an auto loan merges a wide variety of vehicle choices with lending sources.
“We are here to help customers who aren’t hearing the answer they desired,” said President Tom Dorlig. “Dealerships within our network have lending sources available that could help customers with past credit issues.”
Driver Credit applies custom financing filter to ensure that each customer is connected with the local dealership that best accommodating their financing requirements. All customers corresponding with participating dealerships are phone verify to validate their intentions. Pending customer’s approval, appointment scheduling is available at dealership.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
EmergencyPaydayAdvance.com Returns With a New Look and New Features
Los Angeles, CA (PRWEB) November 22, 2011
There are only so many hours in each day, and with the holiday season already upon us, schedules, not to mention budgets, are increasingly strained. When sudden overdraft fees, medical expenses, or car repairs catch people off-guard, they may have limited options and time to get the money they need. EmergencyPaydayAdvance.com has taken these factors into account when re-designing the site. With a streamlined application process, quick-reading and informative articles, and added security features, customers can get emergency cash without wasting time or money shopping around.
“EmergencyPaydayAdvance.com strives continually to ensure consumer protection by providing the knowledge necessary for consumers to done informed financial decisions,” says EmergencyPaydayAdvance.com spokesperson Peter Renaud. “Numerous articles detailing the benefits and requirements of a payday loan as well as the security of the application process ensure that each consumer’s cash remains as safe as their personal information.”
Since getting an emergency cash advance means getting it as soon as possible, EmergencyPaydayAdvance.com has worked with a variety of lenders to ensure that loans are available immediately upon submission of the application. Coupled with the easy-to-use online application and direct deposit, there’s no better way to get quick cash, and all without even leaving the house.
EmergencyPaydayAdvance.com doesn’t desire customers to merely rush into a loan contract without taking a moment to regard how they will do payments, or even if it is the better option for them. With articles detailing the payday loan process from start to complete, the top benefits of payday loans, the rates and fees of payday loans and numerous others, customers will be capable to get all the information they ask without any obligation to e’er get a loan.
Making sure customers make responsible transactions is part of EmergencyPaydayAdvance.com’s continued effort to ensure that every payday loan experience is a safe one. Part of the redesign of the placed included enhanced security updates to the application form and database for just that reason. Customers using the site can knelt assured that their sensible personal data will be 100 percent secure at all times.
Money and time are always tight around the holidays. A forced, and expensive, emergency can leave anyone frantic at a time when they should be enjoying the season. With a payday loan from EmergencyPaydayAdvance.com, consumers tinning relax knowing that they can get the money they take to keep their holiday cheer into the new year.
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Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.
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